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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $43,828 | $201,372-78.2% | $184,260-76.2% | $145,884-70.0% |
| Participation rate | 69.2% | 87.5%-18.3pp | 86.8%-17.6pp | 80.3%-11.1pp |
| Annual return | 3.26% | 29.04%-25.8pp | 28.84%-25.6pp | 551.85%-548.6pp |
| Employer contribution / active EE | $2,420 | $7,024-65.5% | $6,427-62.4% | $4,662-48.1% |
| Participant deferral / active EE | $3,631 | $9,808-63.0% | $9,133-60.2% | $6,690-45.7% |
| Admin fee / account holder | $34,888 | $16,362+113.2% | $13,898+151.0% | $13,392+160.5% |